I love this card. Use it for phone bill, movies and fast food and 3x points. Adds up quick if you spend money on those things. The 10x points on PSN is fastanstic but just know it may take up to 90 days to recieve the points on your Sony Rewards. However, If you dont have a fico score thats near 700, or are not a member of Sony Rewards, please don't waste the hard pull. You will need both or at least one to even have a shot at being approved. Credit Karma is a great tool but the scores are not real. Almost no credit card companys use vantage scores so just keep that in mind when you look at the odds of approval. It doesn;t mean anything.
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This was the first cc for which I ever applied, and I was nervous because many people said they were declined. I was instantly approved with a 2.5K credit limit. My one complaint was that when I was approved, I never received an email or reponse saying when to expect my card or what my limit would be. That information didn't come until 3+ days later via mail. Not a big deal, but it was frustrating.
Now let's talk about the benefits of this card. The bonus perks are basically 10 points per dollar spent on the Playstation network, and then 3 points per dollar on Sony retailers, your cell phone bill, fast food, and movie theaters. These points can then be used for Sony products, Playstation games, etc. At first, I loved the idea of this card because I'm a Playstation fan and thought this would be perfect. To be honest, I don't game as much as I used to, so I rarely cash in on the 10 points perk. I also eatting fast food recently. So I was only getting the 3 points on my cell phone bill each month.
Bottom line: this card is really only beneficial for you if you frequently shop on the PSN and eat fast food very often. Otherwise, I would suggest looking into the Sony card if you're looking for Sony products as your rewards program.
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